Credit union · NCUA insured
OUCU Financial CD Rates
OUCU Financial’s best CD rate is 4.25% APY on a 15-month share certificate (CD). Terms run from 1 year to 5 years. Rates checked October 16, 2026.
How OUCU Financial’s CD rates compare
Compared with banks and credit unions near Columbus, OH, where OUCU Financial has the most branches. $10,000, best rate first.
This credit union’s best
OUCU Financial
4.25%APY
- Term
- 15 months
- Minimum
- $500
- Earns on $10,000
- $534
High-Yield Certificate Special
Top rate
Homeland Credit Union
5.15%APY
- Term
- 30 months
- Minimum
- $500
- Earns on $10,000
- $1,338
2nd-highest rate
Scott Associates Credit Union Inc
5.06%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,802
OUCU Financial CD score
81
CD score
Higher than 55% of U.S. banks and credit unions
- 9–15 months9–15 mo4.25%
- 16–30 months16–30 mo3.25%
- 31–60 months31–60 mo3.00%
- QualifiedQualified4.25%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where OUCU Financial ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
High-Yield Certificate Special
4.25%APY · 1 term
For a limited time. Dividends compounded and paid quarterly. Penalty may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 15 monthsCompounded quarterly. Minimum to earn APY is $500.00 | 4.25% | $534 |
Share Certificate
Up to 3.45%APY · 5 terms
Dividends compounded and paid quarterly. Penalty may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsCompounded quarterly. Minimum to earn APY is $500.00 | 3.45% | $345 |
| 24 monthsCompounded quarterly. Minimum to earn APY is $500.00 | 3.25% | $661 |
| 36 monthsCompounded quarterly. Minimum to earn APY is $500.00 | 3.00% | $927 |
| 48 monthsCompounded quarterly. Minimum to earn APY is $500.00 | 3.00% | $1,255 |
| 60 monthsCompounded quarterly. Minimum to earn APY is $500.00 | 3.00% | $1,593 |
Special-purpose accounts
EasySave IRA Certificate
4.00%APY · 1 term
One Easy Save Certificate per member, per tax year. Maximum deposit balance is $6,500 (if you qualify). Must meet IRA eligibility requirements for IRA qualifying contribution amount. Deposits allowed anytime. Penalty may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsCompounded quarterly. Minimum to earn APY is $0.00. One per member per tax year; maximum deposit balance $6,500 | 4.00% | — |
Sources (2)
All captured Oct 6, 2026
Coverdell Certificate
Up to 3.45%APY · 5 terms
Dividends compounded quarterly. Penalty may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsCompounded quarterly. Minimum to earn APY is $500.00 | 3.45% | $345 |
| 24 monthsCompounded quarterly. Minimum to earn APY is $500.00 | 3.25% | $661 |
| 36 monthsCompounded quarterly. Minimum to earn APY is $500.00 | 3.00% | $927 |
| 48 monthsCompounded quarterly. Minimum to earn APY is $500.00 | 3.00% | $1,255 |
| 60 monthsCompounded quarterly. Minimum to earn APY is $500.00 | 3.00% | $1,593 |
IRA Share Certificate
Up to 3.45%APY · 5 terms
Must meet IRA eligibility requirements for IRA qualifying contribution amount. Types of certificates include Traditional IRA and Roth IRA. Penalty may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsCompounded quarterly. Minimum to earn APY is $500.00 | 3.45% | $345 |
| 24 monthsCompounded quarterly. Minimum to earn APY is $500.00 | 3.25% | $661 |
| 36 monthsCompounded quarterly. Minimum to earn APY is $500.00 | 3.00% | $927 |
| 48 monthsCompounded quarterly. Minimum to earn APY is $500.00 | 3.00% | $1,255 |
| 60 monthsCompounded quarterly. Minimum to earn APY is $500.00 | 3.00% | $1,593 |
Sources (3)
- oucu.org/banking/savings/certificates
- oucu.org/banking/savings/individual-retirement-account
- oucu.org/rates
All captured Oct 6, 2026
Who can join OUCU Financial
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Ohio residents outside the primary counties qualify for membership by joining the American Consumer Council at no cost.
Where you live or work
- Individuals who live, work, worship, or attend school in Athens, Fairfield, Hocking, Meigs, Morgan, Perry, Vinton, or Washington County are eligible for membership.
Employers and groups
- Individuals belonging to one of the qualifying association groups qualify for membership.
- Employees working for a select partner company qualify for membership.
Military, government and schools
- Active and retired employees, students, or alumni of Ohio University or Hocking College are eligible for membership.
Family and household
- Individuals who have a family member eligible for membership qualify to join.
Cost to join
- Membership in the American Consumer Council is free with no cost to join.
Membership information collected October 5, 2026.